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Kearny Financial
(NASDAQ:KRNY)
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Rating:68Neutral
Price Target:
$10.50
â–²(11.70% Upside)
Action:Reiterated
Date:08/22/26
The score is driven primarily by improving financial performance (revenue and profitability rebound supported by solid cash generation), offset by still-elevated leverage and modest ROE. Technicals add support with a clear uptrend and positive momentum indicators. Valuation is reasonable with a solid dividend yield, and corporate updates reinforce ongoing margin expansion and efficiency initiatives.
Positive Factors
Earnings Recovery
The rebound in revenue and earnings indicates improving operating performance after the 2024 loss. Sustained growth in loans, deposits and pre-tax earnings could support continued profitability over the next several quarters.
Negative Factors
Elevated Leverage
Leverage remains a meaningful constraint for a regional bank, limiting balance-sheet flexibility and increasing sensitivity to credit or funding stress. The improvement is encouraging, but capital strength is not yet especially robust.
Read all positive and negative factors
Positive Factors
Negative Factors
Earnings Recovery
The rebound in revenue and earnings indicates improving operating performance after the 2024 loss. Sustained growth in loans, deposits and pre-tax earnings could support continued profitability over the next several quarters.
Read all positive factors
Kearny Financial (KRNY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$638.91M
Dividend Yield4.4%
Average Volume (3M)306.40K
Price to Earnings (P/E)17.3
Beta (1Y)0.80
Revenue Growth1.05%
EPS Growth38.31%
CountryUS
Employees502
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.58
Shares Outstanding64,929,380
10 Day Avg. Volume248,472
30 Day Avg. Volume306,397
Financial Highlights & Ratios
PEG Ratio0.43
Price to Book (P/B)0.78
Price to Sales (P/S)1.71
P/FCF Ratio17.27
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$10.67Price Target Upside13.48% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.79
Revenue Forecast (FY)$197.11M
Kearny Financial Business Overview & Revenue Model
Company Description
Kearny Financial Corp. serves as the parent entity for Kearny Bank, providing a diverse array of banking and financial services across the United States. The institution offers a comprehensive suite of deposit products, including both interest-bea...
How the Company Makes Money
Kearny Financial primarily makes money through its banking subsidiary by earning interest and fees. The core revenue engine is net interest income: the bank collects interest on loans and interest-earning securities and pays interest to depositors...
Kearny Financial Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
54
Neutral
Cash Flow
73
Positive
| Breakdown | Jun 2026 | Jun 2025 | Jun 2024 | Jun 2023 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 347.14M | 343.53M | 326.88M | 296.48M | 240.21M |
| Gross Profit | 176.41M | 151.63M | 134.38M | 176.13M | 218.06M |
| EBITDA | 51.83M | 35.88M | -75.52M | 58.67M | 99.00M |
| Net Income | 36.26M | 26.07M | -86.67M | 40.81M | 67.55M |
Balance Sheet | |||||
| Total Assets | 7.68B | 7.74B | 7.68B | 8.06B | 7.72B |
| Cash, Cash Equivalents and Short-Term Investments | 1.08B | 1.18B | 1.14B | 1.30B | 1.45B |
| Total Debt | 1.15B | 1.26B | 1.61B | 1.51B | 901.34M |
| Total Liabilities | 6.92B | 6.99B | 6.93B | 7.20B | 6.83B |
| Stockholders Equity | 766.67M | 745.96M | 753.57M | 869.28M | 894.00M |
Cash Flow | |||||
| Free Cash Flow | 34.43M | 21.39M | 42.62M | 68.19M | 78.38M |
| Operating Cash Flow | 36.89M | 24.77M | 43.97M | 69.55M | 81.30M |
| Investing Cash Flow | 11.76M | 41.11M | 258.12M | -417.92M | -479.95M |
| Financing Cash Flow | -101.10M | 37.52M | -308.74M | 317.27M | 432.41M |
Kearny Financial Risk Analysis
Kearny Financial disclosed 32 risk factors in its most recent earnings report. Kearny Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Kearny Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $570.13M | 8.32 | 20.68% | 2.36% | 18.07% | 52.19% | |
80 Outperform | $654.13M | 12.20 | 13.02% | 2.28% | 24.95% | 95.35% | |
73 Outperform | $569.05M | 10.16 | 10.05% | 2.45% | 4.88% | 6.47% | |
71 Outperform | $654.45M | 9.84 | 13.73% | 1.15% | 12.91% | 95.79% | |
68 Neutral | $638.91M | 17.26 | 4.77% | 4.65% | 1.05% | 38.31% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
KRNY
Kearny Financial
10.01
3.63
56.87%
ACNB
ACNB
64.52
20.64
47.05%
CIVB
Civista Bancshares
27.43
6.84
33.22%
HIFS
Hingham Institution For Savings
298.17
17.27
6.15%
NRIM
Northrim Bancorp
25.80
2.89
12.62%
Kearny Financial Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Kearny Financial Declares Quarterly Dividend, Highlights Earnings
Positive
Jul 23, 2026
For the quarter ended June 30, 2026, Kearny Financial reported net income of $7.2 million, or $0.11 per diluted share, down from $10.1 million in the prior quarter, reflecting non-recurring items including a discrete tax charge, severance and OREO...
Business Operations and StrategyFinancial Disclosures
Kearny Financial Highlights Q3 Results and Strategic Initiatives
Positive
Jun 3, 2026
Kearny Financial Corp., traded on Nasdaq under the ticker KRNY, is a New Jersey-based financial institution with approximately $7.6 billion in assets, $5.8 billion in loans, and $5.7 billion in deposits as of March 31, 2026. Founded in 1884, it op...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.